Insurance owed us $400K in outstanding claims. Basecamp Funding funded us $250K to cover payroll and supplies while we waited. No personal guarantee. We didn't miss a single payroll.
— Dr. Sarah M. . Family Medicine . 4-Physician Practice . Phoenix, AZ
Real Results
We've Funded Healthcare Practices Like Yours
The Practice Acquisition
A dentist in Phoenix found the perfect practice — established patient base, good location, seller ready to retire. Price: $650K. Problem: $320K in student loans scared every bank away. Our SBA lending partner looked at her production numbers and residency training, not her student debt. Approved $585K with 10% down.
$585K SBA loan → 10% down → practice generating $85K/month within 6 months
The Equipment Upgrade
A dermatologist in Scottsdale wanted a $150K laser system that would add $30K/month in treatment revenue. His bank wanted 25% down ($37K) and 8 weeks to process. Equipment financing through our network: the machine is the collateral. 0% down. Funded in 5 days. The laser paid for itself in 5 months.
$150K laser → $0 down → paid for itself in 5 months
The Reimbursement Gap
A primary care practice in Houston with 4 physicians had $400K in outstanding insurance claims at any given time. Reimbursements took 60-90 days but payroll, rent, and supplies were due weekly. A $200K revolving line of credit bridges the gap permanently — draw when claims are pending, repay when they clear.
$200K LOC → permanent cash flow solution → zero missed payrolls
The Startup Practice
A new vet in Raleigh needed everything — practice purchase ($450K), equipment ($200K), and working capital ($150K) for the first 6 months. Total: $800K. Three products funded through our network: SBA for the acquisition, equipment financing for the devices, and a line of credit for working capital.
$800K multi-product package → practice profitable in 8 months
The Second Location
An urgent care in Denver was at capacity. Second location: $400K buildout, $200K equipment, $100K working capital. SBA 504 loan covered the real estate and buildout. Equipment financing for the medical devices. Total package: $700K with 10% down.
$700K expansion → 10% down → second location profitable in 4 months
The Emergency Equipment
An imaging center's MRI machine failed on a Tuesday. Replacement cost: $250K. Repair estimate: $45K with a 3-day turnaround. Without the MRI, the practice loses $8K/day in imaging revenue. Emergency equipment financing: $45K approved Thursday, funded Friday. MRI back online Monday.
$45K repair funded → 3 days → zero revenue days lost
Industry Data
The Numbers That Matter
Healthcare practice loans have among the lowest default rates of any industry
— SBA Office of Advocacy
Average practice acquisition costs $500K-$2M depending on specialty and location
— Becker's Healthcare
Average dental equipment package runs $200K-$500K for a full operatory
— Dental Economics
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Healthcare professionals are some of the best borrowers in our entire network. If a bank denied you because of student debt, they don’t understand healthcare lending.
— Bobby Friel, Basecamp Funding - Founder
Real Challenges
The Real Challenges Healthcare Practices Face (And How Funding Solves Each One)
| Challenge | What It Looks Like | What It Costs You | Funding Solution | Typical Amount | Speed |
|---|---|---|---|---|---|
| Practice acquisition costs | Established practices sell for $500K-$2M+ depending on specialty and patient base | Can't buy a practice = stuck as an associate forever, building someone else's equity | SBA 7(a) loan (10% down) | $250K–$5M | 30–45 days |
| Equipment replacement cycles | Lasers, imaging, dental chairs — $50K-$500K every 5-10 years | Outdated equipment = fewer procedures, lost revenue, patient attrition | Equipment financing (device is collateral) | $25K–$5M | 3–7 days |
| Reimbursement delays | Insurance pays 60-90 days after treatment. Denied claims add weeks | Payroll crunch, can't buy supplies, turn away patients | Line of credit or working capital | $50K–$500K | 1–3 days |
| Student debt perception | Banks see $200K-$400K in student loans and deny the practice loan | Can't acquire a practice, stuck in employment, losing years of equity building | SBA lenders who understand healthcare | $250K–$5M | 30–45 days |
| Staffing costs | Hygienists, techs, front desk — recruiting, training, sign-on bonuses | Short-staffed = fewer patients seen = lower revenue | Working capital | $25K–$150K | 1–3 days |
| Compliance and licensing | HIPAA upgrades, malpractice premiums, licensing renewals, inspection repairs | Non-compliance = fines, license risk, practice closure | Working capital | $10K–$75K | Same day–3 days |
| Expansion capital | Second location buildout, additional operatories, new services | At capacity = turning away patients = capped revenue | SBA 504 + equipment financing | $200K–$5M | 30–60 days |
Found your scenario? See what you qualify for — 60 seconds, no credit pull.
Every week without funding in place is a week you're exposed. The next equipment failure, the next cash flow gap, the next opportunity you can't move fast enough on — you want capital ready before you need it. Pre-qualifying takes 60 seconds and doesn't affect your credit.
Check My OptionsNo hard credit pull · No obligation · 60 seconds
Banks said no because of my student loans. Basecamp matched me with an SBA lender who understood healthcare. $585K funded for my practice acquisition with 10% down.
Why Us
Why Healthcare Practices Choose Us Over Banks
We built our process around the way healthcare practices actually operate — not the way banks wish you did.
Student Debt Doesn't Scare Us
Banks see $320K in student loans and panic. Our lenders understand healthcare — your earning potential and practice revenue matter more than your student loan balance.
We Understand Reimbursement Cycles
Insurance pays in 60-90 days. Your staff needs paid Friday. Our lenders factor reimbursement timelines into underwriting and fund around them.
We Fund Practice Acquisitions
Buying an existing practice is the fastest path to ownership. SBA loans with 10% down, structured for healthcare valuations and patient transition.
Equipment Is the Collateral
A $150K laser system or $250K imaging machine IS the collateral. Equipment financing rates start at 5% APR because the asset secures the loan.
Healthcare Has the Lowest Default Rates
Lenders know healthcare loans perform better than almost any other industry. That means better rates and more approvals for you.
We Fund Startups and New Practices
Banks want 3 years of tax returns. If you've got 6 months of deposits and a solid patient base, our lenders can work with that.
Free Tool
What Can Your Healthcare Practice Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
What Most Healthcare Practice Owners Get Wrong About Funding
They assume student debt disqualifies them
A dentist with $320K in student loans and a practice depositing $60K/month gets funded every day through our network. Healthcare lenders expect student debt — they evaluate your practice revenue separately.
They pay cash for equipment they should finance
A $150K laser system financed at 8% costs $182K over 5 years. But the Section 179 deduction at a 40% tax rate saves $60K. Net cost: $122K. Paying cash costs $150K and drains your reserves. Finance it.
They wait too long to get a credit line
The time to get a line of credit is when your practice is performing well — not when a $50K denied claim batch creates a payroll crisis. Apply when your deposits are strong.
They overpay for practice acquisitions
Banks offer practice acquisition loans at 5-7% APR but take 90 days to close. Meanwhile the seller gets another offer. Our SBA lenders close in 30-45 days at competitive rates. Speed matters in acquisitions.
They don't separate business and personal finances
Commingled accounts kill practice loan applications. Run all practice revenue through a dedicated business account. Lenders want clean deposit history, not a mix of insurance payments and personal spending.
Our $150K laser paid for itself in 5 months. Equipment financing at 7% with the machine as collateral. Should have done it two years ago.
The Difference
Why Healthcare Practices Choose Basecamp Over Their Bank
| Your Bank | Basecamp Funding | |
|---|---|---|
| Understands student debt? | "Your debt-to-income is too high" | Student debt is expected — we evaluate practice revenue separately |
| Understands reimbursement cycles? | "Your cash flow is inconsistent" | 60-90 day insurance cycles are built into our underwriting |
| Practice acquisition speed? | 60-90 days to close | 30-45 days through SBA lending partners |
| Equipment financing? | 25% down, 8 weeks to process | Equipment is collateral, 0-10% down, funded in 3-7 days |
| Application process | Full financials, business plan, projections | 60 seconds, minimal documents |
| Credit pull | Hard pull (hurts your score) | Soft pull (no impact) |
| If they say no | You're stuck | 69 other lenders still competing |
Funding by Practice Size
How We Fund Healthcare Practices at Every Stage
🩺Solo Practitioner / New Practice
Common Needs
SBA loans, equipment financing, working capital
24-48 hours for working capital, 2-4 weeks for SBA
Dr. Kim, new dentist in Raleigh — $650K to buy an existing practice. $320K in student loans scared banks away. SBA lender through our network approved with 10% down. Practice generating $85K/month within 6 months.
🏥Small Group Practice / 2-5 Providers
Common Needs
Equipment financing, working capital, line of credit
24-72 hours
Phoenix Dermatology, 3-provider practice — $150K laser system financed at 7% with the equipment as collateral. Paid for itself in 5 months of treatments. Section 179 saved $60K in year-one taxes.
💎Multi-Location / Large Practice
Common Needs
SBA 504 loans, large equipment financing, term loans
2-4 weeks for complex financing
Valley Urgent Care, expanding from 1 to 2 locations in Denver — $700K total: $400K buildout + $200K equipment + $100K working capital. SBA 504 with 10% down. Second location profitable within 4 months.
Funding Built for Your Stage of Growth
Whether you're opening your first practice or expanding to multiple locations, we match you with the right product and amount.
Growing Businesses
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →Established Businesses
$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized for your transaction.
Talk to a Commercial Specialist →Commercial & Complex
$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, commercial real estate, fleet buildouts. Dedicated commercial team.
Request a Financing Review →Pricing Transparency
What Healthcare Practice Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
| Product | Typical Amount | Term | Cost Range | Speed to Fund | Best For |
|---|---|---|---|---|---|
| Working Capital | $10K–$500K | 3-18 months | 1.1-1.4 factor rate | 1-3 days | Reimbursement gaps, payroll |
| Equipment Financing | $25K–$5M | 6 mo - 10 yrs | 5-12% APR | 3-7 days | Lasers, imaging, dental chairs |
| Business Line of Credit | $10K–$5M | Revolving | 8-24% APR | 1-5 days | Supplies, staffing, ongoing expenses |
| SBA 7(a) Loan | $50K–$5M | 10-25 years | 6-10% APR | 30-45 days | Practice acquisition, buildout |
| SBA 504 Loan | $125K–$5M | 10-25 years | 5-8% APR | 45-60 days | Real estate, large equipment |
| Term Loan | $50K–$2M | 6 mo - 10 yrs | 7-25% APR | 2-7 days | Renovation, expansion |
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for healthcare practices in our network.
Real Numbers
What Healthcare Practice Funding Actually Costs
| Scenario | Product | Amount | Rate | Term | Monthly Payment | Total Cost | Net Cost After §179 |
|---|---|---|---|---|---|---|---|
| Practice acquisition (dental) | SBA 7(a) loan | $650,000 | 7.5% APR | 10 years | $7,711 | $925,320 | N/A |
| Laser system | Equipment financing | $150,000 | 7% APR | 5 years | $2,970 | $178,200 | ~$118,200 (40% tax rate) |
| Reimbursement bridge | Line of credit | $200,000 drawn | 12% APR | Revolving | Interest only: $2,000/mo | ~$24,000/year | N/A |
| Second location (urgent care) | SBA 504 loan | $700,000 | 6.5% APR | 25 years | $4,726 | $1,417,800 | N/A |
| MRI repair (emergency) | Equipment financing | $45,000 | 9% APR | 3 years | $1,430 | $51,480 | N/A |
| Startup practice package | SBA + equipment + LOC | $800,000 | 8% blended | Mixed | ~$8,500 blended | ~$960,000 | N/A |
These are real numbers from real funding scenarios in our network. Your rate depends on your credit profile, revenue, and time in business.
Tax Strategy
Section 179: The Tax Deduction Every Practice Owner Should Know
Section 179 lets you deduct the FULL purchase price of qualifying equipment in the year you buy it. Not depreciated over 5-7 years. The full amount, year one.
2026 limit: over $1.16 million.
Here's what that means in real dollars:
| Equipment | Cost | Your Tax Rate | Section 179 Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| Laser system | $150,000 | 40% | $150,000 | $60,000 | $90,000 |
| Dental operatory (full) | $80,000 | 35% | $80,000 | $28,000 | $52,000 |
| Digital imaging system | $65,000 | 40% | $65,000 | $26,000 | $39,000 |
| Exam room build + equip | $45,000 | 35% | $45,000 | $15,750 | $29,250 |
| EHR + practice mgmt suite | $25,000 | 35% | $25,000 | $8,750 | $16,250 |
Finance the equipment. Keep your cash. Take the deduction. Your $120K excavator costs you $72K after taxes and you never touched your reserves.
Bobby's take: If you're paying cash for medical equipment over $25K, you're leaving serious money on the table. Finance it, deduct it year one, and keep your cash reserves intact.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Healthcare Practices Use Basecamp Funding
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. SBA loans with 10% down available.
Medical Equipment
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Payroll & Staffing
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
Buildout & Renovation
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Technology & EHR
Electronic health records, practice management, telehealth platforms, patient portals.
Marketing & Growth
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Debt Consolidation
Refinance high-interest practice loans, credit cards, or old equipment leases into one payment.
Insurance & Compliance
Malpractice premiums, HIPAA compliance upgrades, licensing fees. Stay covered and compliant.
Working Capital Bridge
Bridge the 60-90 day gap between treating patients and getting paid by insurance.
Insurance reimbursements run 60-90 days. A $200K line of credit bridges the gap permanently. We never stress about payroll anymore.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
These Won't Stop You
These Can Be Deal-Breakers
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
4 months of bank statements
PDF download or online banking credentials
Business checking account
Must be a dedicated business account
Valid business license or EIN
Proof your business is registered
Government-issued ID
Driver's license or passport
Outstanding debt details
Existing loans, MCAs, or credit lines
Approximate monthly revenue
Doesn't need to be exact
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Healthcare Practices
The most popular funding types for healthcare practices businesses. Each links to a detailed product page.
🏛️SBA Loans
Practice acquisitions, second locations, and large equipment with up to 25-year terms.
View Product Details →🩺Equipment Financing
Lasers, imaging, dental chairs, surgical tools — the equipment is the collateral.
View Product Details →💰Working Capital Loans
Bridge insurance reimbursement gaps and cover payroll between claim payments.
View Product Details →🏦Business Line of Credit
Draw for supplies, staffing, and expenses as needed. Pay interest only on what you use.
View Product Details →$800K total package — practice purchase, equipment, and working capital. Three products, one application. My bank couldn't even process one of those in the same timeframe.
MRI went down on a Tuesday. $45K repair funded by Friday. Our imaging center never closed. Try getting that from a traditional bank.
Insurance Delays Shouldn't Shut Down Your Practice
The average healthcare practice has $200K+ in outstanding insurance claims at any given time. One denied claim batch or one slow payer can create a cash crisis overnight. A pre-approved credit line costs nothing until you draw it — but when you need it, it's there in hours, not weeks.
No credit impact · No obligation · 60 seconds
By Trade
Healthcare Funding by Specialty
| Trade | Common Funding Need | Typical Amount | Why This Trade Qualifies Well |
|---|---|---|---|
| Dental Practice | Practice acquisition, operatory equipment, technology upgrades | $50K–$2M | High revenue per patient, predictable demand |
| Medical (Primary Care) | Practice purchase, EHR systems, staffing | $100K–$5M | Insurance revenue, essential service |
| Urgent Care | Location buildout, imaging equipment, working capital | $200K–$2M | Walk-in revenue, growing market |
| Veterinary | Practice acquisition, surgical equipment, facility buildout | $100K–$2M | Cash-pay revenue, loyal client base |
| Chiropractic | Equipment, office buildout, marketing | $25K–$500K | Low overhead, recurring patient visits |
| Physical Therapy | Equipment, gym buildout, staffing | $50K–$500K | Recurring treatment plans, insurance coverage |
| Optometry | Optical equipment, frame inventory, exam room setup | $50K–$1M | Product sales + service revenue |
| Dermatology | Lasers ($100K-$300K), cosmetic equipment, buildout | $100K–$2M | Cash-pay cosmetic + insured medical mix |
| Psychiatry / Mental Health | Office buildout, telehealth technology, staffing | $25K–$500K | Growing demand, telehealth scalability |
| Home Health | Vehicles, medical supplies, staffing and licensing | $50K–$500K | Medicare/Medicaid revenue, aging population |
| Surgical Center | Surgical equipment, facility buildout, staffing | $500K–$5M | High per-procedure revenue, growing outpatient trend |
| Medical Imaging | MRI, CT, X-ray equipment ($100K-$2M each), facility | $250K–$5M | Equipment is collateral, referral-based revenue |
Financing by Specialty
Every healthcare specialty. Click yours for tailored options.
Need commercial insurance for your healthcare practices business?
Our sister company InsuranceService365.com covers healthcare practices businesses across 29 states.
FAQs
Healthcare Practice Loan FAQs
Dr. Sarah K.
Dentist | Phoenix, AZ
Bought an existing dental practice for $650K. My student loans scared every bank away. Basecamp matched me with a lender who understood healthcare — funded in 3 weeks.
Your Patients Shouldn't Suffer Because Insurance Is Slow
60 seconds. No credit impact. No obligation.
See What You Qualify ForNo hard credit pull · Free to check · Nationwide
Healthcare Practice Loans & Medical Business Financing — $10K to $10M+
Here's what drives me crazy about bank lending for healthcare — you've got a dentist pulling in $200K a year, practice depositing $60K a month, and the bank denies them because they have $320K in student loans. That's not a red flag. That's a dentist. Every doctor, dentist, and vet in America carries student debt. Our lenders get that. They evaluate your practice revenue, not your student loan balance.
I've watched practice owners drain their savings to buy equipment they should have financed. A $150K laser system at 8% over 5 years costs $182K total. But the Section 179 deduction at 40% saves you $60K in taxes year one. Net cost: $122K — $28K less than paying cash. And you kept $150K in reserves for the next emergency. The math always favors financing for big-ticket medical equipment.
Dentists, primary care physicians, urgent care operators, vets, chiropractors, physical therapists, optometrists, dermatologists, psychiatrists, home health companies, surgical centers, imaging centers — we fund every specialty. $585K practice acquisitions. $150K laser systems. $200K reimbursement bridge lines. $800K startup packages. $45K emergency equipment repairs. SBA loans from 6% APR with 10% down. Equipment financing from 5% with the device as collateral.
If your bank said no because of student loans — fill out the application. If insurance owes you $400K and payroll is Friday — fill out the application. If you found the perfect practice to acquire but the seller wants to close in 45 days and your bank needs 90 — fill out the application. 60 seconds. No credit impact. Healthcare professionals hear back within hours.